Choose segment

segment icon segment icon blue

For companies with annual turnover up to 1 mln BGN

segment icon segment icon blue

For companies with annual turnover above 1 mln BGN

segment icon segment icon blue

For agri producters

segment icon segment icon

For freelancers with annual turnover below 1 mln BGN

Number of employees:



Activity sector:

KBC logo
contacts icon contacts icon

Contact us

Contact us

0700 117 17

Domestic line


Short number for mobile users

international phone
+3592 483 1717

International line

mobile icon

Remote application for credit products
(for subscribers of mobile operators)

mail icon
Send Inquiry

Send your inquiry via our contact form

locations widget icon locations widget icon

Offices and ATMs

Offices and ATMs

Choose the most convenient office or ATM for you

Online/Mobile Online/Mobile



tariffs widget icon tariffs widget icon

Fees and terms

rates widget icon rates widget icon

Exchange rates

Exchange rates

as of

Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing


JEREMIE TRADE FINANCE-COVID 19 is a guarantee program of the European Investment Fund for UBB business clients. The program partially secures the bank guarantees, letters of credit, general limits for working capital and issuance of bank guarantees and / or letters of credit, working capital loans, including overdrafts, provided by the bank.


  • Free-of-charge guarantee
  • Alleviated collateral requirements
  • Preferential interest rates
  • Larger opportunities for financing
  • Option to include newly-approved loans, signed until 31.03.2023.
  • Long-term experience of UBB in handling EU programmes

Terms and Conditions

  • Micro, small and medium-sized enterprises, as per the SME Act
  • Small midcaps with staff number up to 499 employees
  • Working capital loans – term loans, credit lines, overdrafts
  • Bank Guarantees and L/Cs
  • Total limits
Maximum amount*
  • Up to EUR 3 000 000 for SME
  • Up to EUR 1 875 000 for small midcaps
Currency BGN/ EUR/ USD
Guarantee Coverage No fee
Inadmissible loans
  • Refinancing of over 30% of the transaction amount
  • Loans, guaranteed with another instrument of the EIF
  • Financing of European projects
  • Financing of transactions in the sectors, forbidden as per Commission Regulation (EC) № 1407/2013 dated 18 December 2013
Repayment term From 12 up to 60 months, however not later than 30.11.2025
Collateral-related requirements Not more than 50% of the loan at the collateral’s discounted value (excluding the JEREMIE TF guarantee)

*The maximum transaction amount with a JEREMIE TF guarantee is indicative, on condition that the grant equivalence of the anticipated and already received de minimis aid, including that under the present loan DOES NOT exceed EUR 200 000 per borrower and its related parties.

The transaction(s) benefit(s) from support from the Documentary Finance Guarantee Facility, implemented by the European Investment Fund and funded by the Ministry of Economy of Republic of Bulgaria within the framework of Programme “Recovery” with national funds, received as reflows from JEREMIE Initiative operations.



Required Documents

  • Decision of the company’s competent body for obtaining a loan and providing collateral for it
  • Balance Sheet, Income Statement and a Tax Return for the last 2 years
  • Collateral ownership documents - copies of the ID cards of the company’s representative - borrower/co-debtor/pledgors/mortgagors
  • Certificate for availability /lack of arrears, issued by the revenue authority as per Art 87, Para 6 of the Tax Insurance Procedure Code
  • Declaration of relatedness with other entities as per sample format

Send Request

Apply online now and get feedback from an UBB expert.

Send Request

Book a Video Meeting

If you would like a consultancy with our expert regarding information on financial products or services, please follow the link below.

Business Loans Under The InnovFin Programme

InnovFin business loans are preferential financing for innovative micro, small and medium-sized companies (up to 499 employees) through a guarantee scheme.

COSME Business Loans

UBB offers loans under alleviated collateral conditions thanks to the COSME guarantee instrument - European Programme for Competitiveness of Small and Medium-sized Enterprises.